BlastPoint's Credit Union Scorecard
BEE
Charter #9893 · MD
BEE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Delinquency rate 1.22% above tier average
- - Members Per Employee (MPE): Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,015
-0.8% YoY+1.9% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$7.7M
-0.5% YoY+0.6% QoQ
|
$-22.4M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$2.9M
-6.1% YoY-3.0% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$6.0M
-0.9% YoY+0.2% QoQ
|
$-19.7M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.2%
+166.4% YoY-174.0% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
4.2%
+12.2% YoY+8.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
76.2%
-3.5% YoY-6.8% QoQ
|
-6.4% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
2.8%
-40.6% YoY+16.8% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Top 14.4% in tier |
| Loan To Share |
48.5%
-5.2% YoY-3.2% QoQ
|
-12.1% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$8,758
-1.9% YoY-2.7% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
9.4%
+178.5% YoY+16.2% QoQ
|
-15.0% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)